I have a low fico score but I need to lower my debts

What types of debts are they? You may combine all your unsecured debts under one payment in one of the debt management programs. What type of help are you looking for?

If you have registered here for the free consultation quote, someone is going to call you soon.

I have one cellphone bill about $1000!
I have a firestone credit card about $1200!
I owe the state $5000 for something (non crime related) just something.
I owe 2 payday loans of $200 each!
and $600 to a buddy

and that is it!

All are unsecured debts. These can be included in the program and you will get different repayment plans to adjust to your situation. Talk to a counselor and get started. You have started in the right way and will become debt free soon. :)